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Gone are the days of only having to worry about making your credit card payments on time.  Credit card companies are on a fee frenzy! To avoid higher interest rates and any additional fees nowadays, you really have to be on the ball!

Even those of us who have never missed a payment and have the most pristine credit histories. 

So let's take a gander at some of the downright sneaky practices that credit card companies are using nowadays to make more money and how to beat them at their own game, starting with...

Next: #1: Undeserving rate hikes!